Finance without credit required!
With Katapult’s lease-to-own program, you can lease the things you want today and pay for them over time. Best of all, you will only pay $0-$45 today at checkout. Applying with Katapult takes less than a minute and it won’t impact your FICO score.
No credit? Bad credit? No problem. We understand that things come up in life. We work with customers that have no credit, bad credit or a bankruptcy. “No credit required” does not mean nor imply that no inquiry will be made of credit history or creditworthiness. We may check past transactional history and report information about your lease purchase agreement to credit reporting agencies, but no established credit history is necessary.
What is needed to apply for a Katapult lease purchase agreement?
- A valid mobile phone number that can receive SMS text
- A valid US address
- A valid Social Security or Taxpayer ID Number (ITIN)
- A valid email address
- A valid credit or debit card to make payments (no prepaid or gift cards)
- A valid photo ID showing you are 18 years of age or older
- Income & Employment History
Getting pre-approved for a Katapult lease purchase agreement does NOT affect your credit score!
Before pre-approval
You can apply in any product on our website or at checkout. If approved, you will be provided with an available Katapult lease purchase agreement limit that can be used to lease to own a product.
After pre-approval
If approved, you may get a lease purchase agreement in a few simple clicks.
- Select the Katapult button on the checkout page
- Enter a few pieces of information to verify your identity and payment information. Don’t worry, our application does not request checking account, employment verification or personal references.
- Review and submit your order and we send you your products!
Katapult will send you a welcome email that gives you access to your account, customer service, and more.
In addition, you have several options to acquire ownership of the product you are leasing. Katapult lease to own offers flexibility that may make it more attractive than financing. With each payment, you have the option to continue leasing, early buyout, or return your items to Katapult